Cheapest Car Insurance Quotes in Kingston

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Kingston Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Kingston

The car insurance rate in Kingston is $844 for a six-month policy, which is $73 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $377, making it a popular choice for budget-conscious drivers. Rates in Kingston can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Kingston

$844

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Kingston

1st place: Kemper

At $377 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $508 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $524 for six months, making it the third cheapest auto insurance company in Kingston.

Kingston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kingston, WA is Kemper, offering policies at just $377 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $508.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2225 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kingston drivers find the best deals.

Cheap Car Insurance Companies in Kingston, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$377	$63
Nationwide	$508	$86
Auto-Owners Insurance Co	$524	$87
Chubb	$595	$101
Capital Insurance Group	$606	$101
USAA	$710	$120
Mutual of Enumclaw	$749	$125
American Family	$765	$129
State Farm	$765	$129
Progressive	$781	$132
PEMCO	$842	$142
Travelers	$847	$143
Farmers	$929	$156
Allstate	$1049	$177
Granwest P&C	$1235	$206
Sentry	$2225	$378

Key Takeaways

Way's key takeaways about car insurance in Kingston

The auto insurance costs in Kingston fall around $377 for six months.
The cheapest auto insurance company in Kingston is California Casualty.
Teen drivers pay the highest rate in Kingston at $627 per month.

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Cheapest Minimum Liability Car Insurance in Kingston

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Kingston are given below.

California Casualty provides the cheapest minimum car insurance coverage in Kingston. Their Average 6 Month Premium is $197. Grange is the most expensive at $197 for the same period.

Cheapest Liability Coverage in Kingston, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$197	$33
USAA	$197	$33
Granwest P&C	$202	$34
Auto-Owners Insurance Co	$213	$36
Chubb	$251	$42
Nationwide	$262	$44
PEMCO	$262	$44
Capital Insurance Group	$279	$48
Progressive	$284	$48
American Family	$290	$50
Mutual of Enumclaw	$312	$52
State Farm	$312	$52
Travelers	$317	$53
Farmers	$372	$63
Allstate	$617	$104
Sentry	$639	$109
Encompass	$191	$32
Grange	$197	$33

Cheapest Full Coverage Car Insurance in Kingston

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Kingston is Kemper at $63 per month and $377 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kingston, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$377	$63
Nationwide	$508	$86
Auto-Owners Insurance Co	$524	$87
Chubb	$595	$101
Capital Insurance Group	$606	$101
USAA	$710	$120
Mutual of Enumclaw	$749	$125
American Family	$765	$129
State Farm	$765	$129
Progressive	$781	$132
PEMCO	$842	$142
Travelers	$847	$143
Farmers	$929	$156
Allstate	$1049	$177
Granwest P&C	$1235	$206
Sentry	$2225	$378

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Average Car Insurance in Kingston by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Kingston, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Kingston, Washington, may be increasing due to several external factors. Washington has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Kingston's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Kingston

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	PEMCO	$623
30s	PEMCO	$436
40s	PEMCO	$441
50s	PEMCO	$419
60s	PEMCO	$441
70s	PEMCO	$547

Cheapest Car Insurance Rates for Teen Drivers in Kingston,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Kingston at $52 per month. At $3760 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$301	$52
Auto-Owners Insurance Co	$312	$52
Chubb	$350	$60
Travelers	$1028	$173
State Farm	$1087	$183
USAA	$1262	$213
Pemco	$1552	$261
Farmers	$1874	$316
Mutual of Enumclaw	$1896	$322
Progressive	$2071	$349
Allstate	$2153	$362
Sentry	$3760	$627

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Kingston.

As young drivers face the highest rates in Kingston, PEMCO offers the cheapest auto insurance rates at $623 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Kingston, AutoOwners Insurance Co is the cheapest car insurance provider. At $213 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Kingston is Sentry, offering rates of around $2225 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$213	$36
Chubb	$251	$42
American Family	$290	$50
Nationwide	$301	$50
Kemper	$328	$56
Farmers	$853	$144
Travelers	$907	$153
State Farm	$1076	$181
Progressive	$1082	$182
USAA	$1110	$185
Pemco	$1268	$213
Mutual of Enumclaw	$1301	$217
Allstate	$2033	$346
Sentry	$2225	$371

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Save up to $971/yr on car insurance rates in Kingston.

Car Insurance Rates with An Accident in Kingston

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Kingston, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Kingston

The cheapest car insurance companies after an at-fault accident in Kingston include AutoOwners Insurance Co and Encompass, offering $273 and $312, respectively. Sentry is an expensive provider with an average six-month premium of $3864.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$273	$46
Encompass	$312	$53
Chubb	$322	$54
American Family	$350	$60
Kemper	$454	$75
USAA	$487	$82
Travelers	$710	$120
State Farm	$727	$122
PEMCO	$792	$133
Capital Insurance Group	$809	$137
Mutual of Enumclaw	$1011	$168
Progressive	$1076	$181
Farmers	$1147	$193
Allstate	$1874	$316
Sentry	$3864	$644

Kingston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kingston WA. For example, the car insurance in Kingston after a DUI increases to $749 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Kingston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$983	$164
One Med/PIP claim	$983	$167
Not-at-fault accident	$1017	$169
Two Med/PIP claims	$1017	$173
One comp claim	$1022	$170
Two comp claims	$1065	$181
Failure to show documents	$1175	$196
Child safety restraint	$1186	$201
Driving without lights	$1197	$200
Failure to wear a seat belt	$1197	$203
Speeding 11 - 15 MPH over limit	$1197	$200
Speeding 16 - 20 MPH over limit	$1197	$203
Speeding 6 - 10 MPH over limit	$1197	$200
Driving too slowly	$1208	$205
Driving with expired registration	$1208	$201
Cell phone violation	$1213	$206
Failure to yield	$1213	$202
Improper passing	$1213	$206
Texting while driving	$1213	$202
Wrong way/wrong lane	$1213	$206
Failure to stop at a red light	$1219	$203
Following too closely	$1219	$207
Illegal turn	$1219	$203
Speeding in school zone	$1273	$216
Passing school bus	$1279	$213
At-fault accident - less than $1000	$1295	$220
Speeding 21 - 25 MPH over limit	$1295	$216
Open container	$1301	$221
In 65 MPH zone	$1350	$225
At-fault accident - $1000-$2000	$1399	$238
At-fault accident - greater than $2000	$1405	$234
Operating a vehicle without permission	$1415	$241
Refusal to submit to a chemical test	$1694	$282
Reckless driving	$1699	$289
Driving with a suspended license	$1716	$286
DUI	$1732	$294
Racing	$1792	$299
Leaving scene of an accident/hit and run	$1803	$306

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Kingston after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Kingston.

The cheapest car insurance premiums in Kingston are offered by Chubb at $312 for a six-month policy. However, it can be as expensive as $2929 with companies like Sentry.

Kingston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$312	$53
American Family	$344	$57
Auto-Owners Insurance Co	$394	$67
Travelers	$749	$126
Progressive	$754	$127
USAA	$831	$140
Pemco	$918	$155
State Farm	$1000	$168
Farmers	$1169	$197
Mutual of Enumclaw	$1306	$218
Grange	$1673	$284
Allstate	$1710	$288
Cal Casualty	$1869	$317
Sentry	$2929	$489

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Kingston are offered by Chubb at $273. However, it can be as expensive as $3580 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Kingston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$273	$47
Auto-Owners Insurance Co	$284	$47
American Family	$344	$59
State Farm	$639	$108
Travelers	$781	$132
USAA	$858	$143
Mutual of Enumclaw	$913	$155
Pemco	$951	$160
Progressive	$972	$164
Farmers	$1071	$180
Allstate	$1645	$280
Sentry	$3580	$596

Car Insurance Price Trends in Kingston, Washington

Car insurance rates in Kingston have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Kingston rose by $179 in January compared to $139 of December. In other words, there has been an increase by $40 when you compare January and December.

The average cost of liability insurance in the Kingston rose to $52 in January, compared to $47 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Kingston?

The car insurance in Kingston is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Kingston?

The cheapest car insurance in Kingston is $63 per month for full coverage.

How much is car insurance in Kingston for teenagers?

Car insurance for teenagers costs $301 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Kingston?

The average cost of car insurance is $917 for a six-month policy. It will cost around $142 per month to insure your car in Kingston.

Is car insurance expensive in Kingston?

Car insurance can be expensive in Kingston if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Kingston can be affordable.

Cheapest Car Insurance Quotes in Kingston

Why you can trust Way?

How Much Is Car Insurance in Kingston

Avg. Car Insurance in Kingston

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Kingston

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Kingston Car Insurance Rates by Company

Cheap Car Insurance Companies in Kingston, WA

Way's key takeaways about car insurance in Kingston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kingston

Cheapest Liability Coverage in Kingston, WA

Cheapest Full Coverage Car Insurance in Kingston

Cheapest Full Coverage Car Insurance Quotes in Kingston, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kingston by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Kingston, WA increasing?

Car Insurance Premiums by Age in Kingston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kingston,WA

If you are in your twenties PEMCO is the best choice for car insurance in Kingston.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Kingston

Cheapest Car Insurance Companies after an At-Fault Accident in Kingston

Kingston Car Insurance Rates by Violation

Kingston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kingston after a DUI

Kingston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kingston after Speeding ticket

Car Insurance Price Trends in Kingston, Washington

Average Car Insurance Cost in Kingston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kingston, WA

Car Insurance Rates by State in the USA (2025 Update)

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